Ferret insurance: why take out? What price ?

The ferret belongs to the mustelidae family. Domesticated long ago by man, the cat has stolen its place since the Renaissance. However, it has been back in France since the 1970s and is one of the most popular NAC (New Pets).

And for good reason, this ball of hair does not exceed 60 centimeters, tail included, and generally weighs between 500 grams and 2 kilos only. Particularly endearing, the ferret is an intelligent, sociable, playful and very expressive animal.

Essentially carnivorous, it can live 8 to 10 years in good shape with an appropriate diet. Although his health is rather solid, he is not immune to the risks of disease, in particular linked to the climate, stress and hormones …

Ferret insurance to protect your companion

NAC health insurances allow the payment of the veterinary costs necessary to maintain and care for your ferret. They work in the same way as a mutual insurance for humans and intervene for the partial or total reimbursement of drugs, vaccines, radiologies or operations that your ferret will need during its domestic life.

Health costs associated with ferrets are unfortunately often among the highest on the market. This is because NAC specialist veterinarians are generally more expensive, as it is a specialization acquired at the cost of years of additional education or experience.

Is ferret insurance compulsory?

The only compulsory insurance for your ferret is animal civil liability. Ferrets, especially at a young age, are fearful and sometimes aggressive, even if unintentionally. It can inflict superficial or deep bites as a defense reflex.

It is therefore advisable to check with your insurer the extent of your personal liability cover. These are the ones that cover you if your ferret injures an outside person or causes damage to a third party, such as a neighbor for example.

If most civil liability contracts cover NACs, there are some that systematically refuse and mention it in their general conditions. In this case, you will need to take out dedicated civil liability for your ferret.

Ferrets: vaccines, sterilization and common diseases

The ferret vaccination is strongly recommended to protect him from two fatal diseases of which he is commonly a victim and for which there is no cure:

  • Rabies: this vaccination is compulsory as soon as you leave French territory with your pet. Transmitted by bite, rabies is fatal for your ferret but also transmissible to humans and other animals such as dogs and cats
  • Distemper: this viral disease is transmitted through saliva and can be contracted in any environment, through a simple object. Fatal in 100% of cases, the vaccine is effective in protecting your ferret from this very contagious virus

The ferret sterilization is almost essential, both to limit odor nuisance during the breeding season and to avoid hormonal diseases that are very present in ferrets if they cannot reproduce. In practice, the NAC veterinarian will guide you as to the most suitable sterilization method:

  • Surgical sterilization: definitive, it unfortunately causes the ferret to risk severe adrenal disease, linked to a hormonal disorder
  • Hormonal sterilization: reversible and above all less invasive than surgical sterilization, it is expensive and requires the placement of an implant that protects your ferret from hormonal diseases

Ferrets are subject to classic diseases similar to those found in humans, but which can be fatal to the mustelid:

  • Gastroenteritis: linked to an inadequate diet, a cold or heat stroke, even stress or a virus, it must be treated quickly to avoid dehydration
  • Flu: more serious than in humans and transmissible from humans to animals, influenza can cause the ferret to weaken and die without medication

Faced with all these examples, far from being exhaustive, purchasing health insurance for your ferret is a responsible choice for those who love their animals.

What price for ferret insurance?

All insurers do not offer the same guarantees and the rates vary from simple to quadruple. Rather, the proliferation of offers is good news for ferret owners: competition is making NAC health insurance rates more and more affordable.

Some insurances only offer minimal reimbursements, covering only serious accidents and part of the current veterinary costs. Other insurances offer comprehensive contracts with additional intervention in the event of illness, operation, hospitalization and even reimburse drugs and the costs of vaccination and sterilization.

Generally, count between 10 euros and 35 euros according to the guarantees subscribed. To get the best insurance policy for your ferret, have simple reflexes:

  • A subscription as soon as your animal is adopted: a young ferret is insurable at a more affordable rate
  • A comparison of guarantees: check the deductibles and ceilings provided for in the contract
  • Necessary care: if you have a female ferret, think about chemical contraception now

Finally, do an online simulation: you will have access, free of charge and without obligation, to the best ferret insurance contracts on the market, in a few clicks, from your home!

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